Privacy Policy

Last updated: June 26, 2023

This privacy policy ("Privacy Policy") applies to your information that Honeycomb Programs Inc. (DBA Honeycomb Insurance Services in CA) (“Honeycomb”, "we", "us", "our") collects and receives from you. You can visit https://honeycombinsurance.com/ (“Website”). Please note that if you request information about Honeycomb’ products or services through the Website (for example, by completing an online form), you will be required to provide Honeycomb with certain Personal Information (as defined below).

This Privacy Policy forms part of our Terms and Conditions, which are available at https://honeycombinsurance.com/terms/ (“Terms”). Any capitalized but undefined term in this Privacy Policy shall have the meaning given to it in the Terms. Please read the this Privacy Policy to understand how your Personal Information will be treated as you use Honeycomb’ services. “Personal Information” means any information that may be used, either alone or in combination with other information, to personally identify an individual, including, but not limited to, a first and last name, a personal profile, an email address, a home or other physical address, or other contact information.

You are not legally obligated to provide us Personal Information, and you hereby confirm that providing us Personal Information is at your own free will. To the maximum extent permitted by law, by using our services or otherwise browsing the Website, you consent to the terms of this Privacy Policy and to our collection, processing and sharing of Personal Information for the purposes set forth herein. If you do not agree to this Privacy Policy, please do not access or otherwise use the Website and its related products and services.

WHAT PERSONAL INFORMATION WE COLLECT, WHY WE COLLECT IT, AND HOW IT IS USED
1. When you browse or visit our Website
  1. Personal Information we collect: Cookies, pixels, log files, or other similar technologies. The information inside the log files includes internet protocol (IP) addresses, type of browser and operating system used to access the Website, the date and time you access the Website, the pages you visit (click-through), and if you linked to the Website from another website, the address of that website as well as additional information related to your visit, Internet Service Provider (ISP), date/time stamp, referring/exit pages, clicked pages and any other information your browser may send to us.
    “Cookies” Cookies are computer files containing small amounts of information, which are downloaded to your computer or mobile device when you visit a website. Cookies can then be sent back to the originating website on each subsequent visit, or to another website that recognizes that cookie. Cookies are widely used in order to make websites work, or to work more efficiently, as well as to provide information to the owners of the website. Cookies do lots of different jobs, like letting you navigate between pages efficiently, remembering your preferences, and generally improving the user experience. Cookies may tell us, for example, whether you have visited our Website before or whether you are a new visitor. Certain cookies and other technologies may serve to recall Personal Information, such as an IP address. You can reject cookies by changing your browser settings. These settings will typically be found in the “options” or “preferences” menu of your browser. In order to understand these settings and learn how to use them, please consult the “Help” function of your browser, or the documentation published online for your particular browser type and version. However, please note that if you choose to refuse cookies you may not be able to use the full functionality of our Website. The following pages have information on how to change your cookies settings for the different browsers:
    If you use another browser, you can check if the procedure for your browser is mentioned in this explanatory website or here.
  2. For what purposes: Honeycomb uses this information to administer the Website, to customize the Website, to analyze trends, administer the Website, to track users’ movement around the Website, to gather demographic information and its related products and services, to help diagnose problems with Honeycomb’ server, and to improve the Website.
2. When you complete Honeycomb’s online submission form (e.g., get a quote)
  1. Personal Information we collect: Contact details (including, name, email address, phone number, address), property details (including, address of the property, details of the property), details of the insured person, company/organization, or any of its members specifically designated by name as an insured(s) in the insurance policy, and any additional information/messages you choose to provide us with while completing the online form.
  2. For what purposes: to provide you information about the products and services in which you have expressed interest (e.g., to receive a quote); to send you submission form’s and quotes related communications, to answer your request; to provide you with a quote (via email and SMS), and to send you marketing communications.
3. When you sign up for an account (as an insured person/company or as a broker)
  1. Personal Information we collect: Contact details (including, name, email address, phone number) and any additional information/messages you choose to provide us with.
  2. For what purposes: to allow you to create an account, to allow you to view and manage your insurance policies, and to make payments.
4. When you make a purchase a policy or service
  1. Personal Information we collect: Contact details (including, name, email address, phone number, address), payment and billing details (to the extent that it includes Personal Information) and any additional information you choose to provide us with.
  2. For what purposes: to allow you to purchase an insurance policy, to send you an email with the details of your insurance policy, to send you contract-related communications, and to send you marketing communications.
5. When you submit a website form request (e.g., contact us request, get an appointment)
  1. Personal Information we collect: name, email address, message or other information that you decide to provide us with (e.g., when you send us an email or call us)
  2. For what purposes: to answer your questions and requests, to give you an apportionment with our representatives, to provide you support, to help you with your insurance policy queries, to send you communications related to your request (e.g., to schedule the appointment), to customize the products and services, and to send you marketing communications.
6. When you subscribe to our blog posts and/or newsletters
  1. Personal Information we collect: Full name and email address.
  2. For what purposes: to provide you information about our products and services; to send you marketing communications; to send you updates or news regarding the Website (including, the blog).
7. When you submit a job application (careers)
  1. Personal Information we collect: Full name, email address, phone number, CV, cover letter, any other information that you decide to provide us with.
  2. For what purposes: to assess you as a candidate, to send you application/interview-related communications.
8. When you interact with us on our social media profiles (e.g., Facebook, Instagram, Twitter, LinkedIn)
  1. Personal Information we collect: your name and any additional information/message/comment you choose to provide us on social media.
  2. For what purposes:to answer your request/questions and to provide you information about those products and services in which you have expressed interest.
9. Anonymous Information. Honeycomb may aggregate your Personal Information with others’ information and prepare reports on Website usage, purchase history or other factors for sale or distribution to others. Those reports are aggregated and include no personally identifying information. “Anonymous Information” means information which does not enable identification of an individual user, such as aggregated information about the use of our services. We may use Anonymous Information and/or disclose it to third parties without restrictions (for example, in order to improve our services and enhance your experience with them).
SOURCES OF PERSONAL INFORMATION
1. We obtain Personal Information directly from you when you provide it through one of the mechanisms described above. Please note that by submitting your Personal Information (specifically your phone number) (to the maximum extent permitted by law) you are consenting for Honeycomb to contact you (for the purpose of your submission) even if you are registered on a Federal or State “Do not call List”.
2. We may receive your Personal Information when the relevant broker will submit a request for an insurance policy and/or a quote on your behalf.
3. We may also acquire Personal Information from third-party sources (such as lead-generation companies), in order to establish a business connection with you.
PERSONAL INFORMATION SHARING
1. Honeycomb will share your Personal Information as described below:
  1. Honeycomb will provide your Personal Information to its affiliates and subsidiaries.
  2. Honeycomb will share your Personal Information with our partners and other third parties. We disclose your Personal Information as is necessary for us to provide you with the insurance products and services you expect us to provide, including, without limitation, insurers, reinsurers, insurance intermediaries, brokers, reinsurance brokers, wholesale brokers, underwriters, actuaries, insurance reference bureaus, fraud detection agencies, advisers, loss adjusters, claim adjusters, lawyers, accountants, bookkeeping and others involved in the claims handling process. For example, we may share some of your information with an insurance carrier and/or an independent insurance agency for the purpose of obtaining a quote. Please Note: Third party insurance carriers and independent insurance agencies have their own privacy policies and we are not responsible for these policies nor the products and/or services offered by third party providers, so please make sure to review the privacy policy of any third party carrier from whom you may purchase a policy.
  3. When Honeycomb is unable to offer you a quote for your insurance coverage, Honeycomb will share the information you shared with us with our business partners in order to allow them to reach out to you regarding a potential insurance carrier that may meet your needs. Once we share your information with such business partners, use of said information will be governed by their privacy policies.
  4. Honeycomb will provide your Personal Information to third party companies that provide services to Honeycomb for Honeycomb’ business activities. We may use third party service providers to process your information for the purposes outlined above, including, without limitation:
    - With cloud service providers for hosting purposes;
    - With websites and web content creation platforms in order to help us manage our Website;
    - With email providers, marketing, CRM, other similar tool providers and/or sales dialer software;
    - With tracking technologies, cookies and analytic companies, in order to help us understand and analyze information we collect in accordance with this policy;
    - With insurance carriers integration platforms, comparative raters;
    - With billing companies; and/or
    - With data validation and enrichment companies.
  5. Honeycomb will (to the minimum extent required) disclose information to a potential or actual third party purchaser of our business or assets. In the event that we are acquired by or merged with a third party entity, or in the event of bankruptcy or a comparable event, we reserve the right to transfer or assign Personal Information in connection with the foregoing events.
  6. To the extent necessary, we may share Personal Information with regulators, to comply with all applicable laws, regulations and rules, and requests of law enforcement, regulatory and other governmental agencies or if required to do so by court order. Where we receive requests for information from law enforcement or regulators, we use commercially reasonable efforts to validate these requests before any Personal Information is disclosed.
  7. Honeycomb may also disclose your Personal Information or any information you submitted via the Website if we have a good faith belief that disclosure of such information is helpful or reasonably necessary to: (i) comply with any applicable law, regulation, legal process or governmental request; (ii) enforce our Terms, including investigations of potential violations thereof; (iii) detect, prevent, or otherwise address fraud or security issues; or (iv) protect against harm to the rights, property or safety of Honeycomb, our users, yourself or the public; and/or (v) as required by law such as to comply with a subpoena, or similar legal process.
  8. Where you have otherwise provided your consent to us for sharing or transferring your Personal Information.
MARKETING USES/OPT-OUT
1. Honeycomb may also use your Personal Information to send you emails or postal communications regarding products or services offered by Honeycomb or by third parties with whom Honeycomb has relationships in which Honeycomb thinks you may be interested. You may at any time choose not to receive Honeycomb’s promotional emails, or to withdraw consents given by you, by contacting Honeycomb at info@honeycombinsurance.com OR by unsubscribing at the bottom of the marketing communications. Notwithstanding the foregoing, Honeycomb may continue to contact you for the purpose of service-related purposes (including, your insurance policy).
SECURITY AND RETENTION
1. The security of your Personal Information is important to Honeycomb. Honeycomb follows generally accepted industry standards to protect the Personal Information submitted to Honeycomb, both during transmission and once Honeycomb receives it. We have implemented market standard technical, organizational and security measures designed to reduce the risk of accidental destruction or loss, or the unauthorized disclosure or access to such information appropriate to the nature of the information concerned. However, please note that we cannot guarantee that the Personal Information will not be exposed as a result of unauthorized penetration to our servers. Nevertheless, we use commercially reasonable efforts to make the collection and security of such Personal Information consistent with this Privacy Policy and all applicable laws and regulations. As the security of Personal Information depends in part on the security of your computer, device or network that you use to communicate with us and the security you use to protect your user IDs and passwords, please make sure to take appropriate measures to protect this information. If you have any questions about security on the Website, you can contact Honeycomb at info@honeycombinsurance.com.
2. We will retain your Personal Information (including, communications with you) until we no longer need the information and proactively delete it or you send a valid deletion request. Please note that we may retain it for a longer or shorter period in accordance with data retention laws. Please note that in some circumstances we may store your Personal Information for longer periods of time, for example (i) where we are required to do so in accordance with legal, regulatory, tax or accounting requirements, or (ii) for us to have an accurate record of your dealings with us in the event of any complaints or challenges, or (iii) if we reasonably believe there is a prospect of litigation relating to your Personal Information or dealings.
YOUR RIGHTS
1. The following rights (which may be subject to certain exemptions or derogations) shall apply to certain individuals (some of which only apply to individuals protected by specific laws):
  1. You have the right to access the personal information that we hold and request further details about how we process it, under certain conditions.
  2. You have the right to demand rectification of inaccurate personal information about you. We will promptly correct any information found to be incorrect.
  3. You have the right to object to unlawful data processing under certain conditions.
  4. You have the right to the erasure of past data about you (your “right to be forgotten”) under certain conditions.
  5. You have the right to demand that we restrict the processing of your personal information, under certain conditions, if you believe we have exceeded the legitimate basis for processing, the processing is no longer necessary, or if you believe your personal information is inaccurate.
  6. You have the right to data portability of personal information concerning you that you provided us in a structured, commonly used, and machine-readable format, subject to certain conditions.
2. You can exercise your rights by contacting us at info@honeycombinsurance.com. Subject to legal and other permissible considerations, we will make every reasonable effort to honor your request promptly in accordance with applicable law or inform you if we need further information in order to fulfil your request. When processing your request, we may ask you for additional information to confirm or verify your identity and for security purposes, before processing and/or honoring your request. We reserve the right to charge a fee where permitted by law, for instance if your request is manifestly unfounded or excessive. In the event that your request would adversely affect the rights and freedoms of others (for example, would impact the duty of confidentiality we owe to others) or if we are legally entitled to deal with your request in a different way than requested, we will address your request to the maximum extent possible, all in accordance with applicable law.
USE BY CHILDREN
1. We do not offer our products or services for use by children. If you are under 18, you may not use the Website, or provide any information to the Website without involvement of a parent or a guardian. We do not knowingly collect information from, and/or about children.
INTERACTION WITH THIRD PARTY PRODUCTS
1. We enable you to interact with third party websites, mobile software applications and products or services that are not owned or controlled by us (each a “Third Party Service”). We are not responsible for the privacy practices or the content of such Third Party Services. Please be aware that Third Party Services can collect Personal Data from you. Accordingly, we encourage you to read the terms and conditions and privacy policies of each Third Party Service.
RIGHTS OF CALIFORNIA RESIDENTS
1. Our California Do Not Track Notice: Do Not Track (“DNT”) is a privacy preference that users can set in certain web browsers. Please note that we do not respond to or honor DNT signals or similar mechanisms transmitted by web browsers, but we may allow third parties, such as companies that provide us with analytics tools, to collect personally identifiable information about an individual consumer’s online activities over time and across different web sites when a consumer uses the Website.
NOTIFICATION OF PRIVACY POLICY CHANGES
1. This Privacy Policy can be updated from time to time and, therefore, we ask you to check back periodically for the latest version of this Privacy Policy. If we implement significant changes to the use of your Personal Data in a manner different from that stated at the time of collection, we will notify you by posting a notice on our Website or by other means.
ANALYTIC TOOLS
1. Google Analytics. The Website uses a tool called “Google Analytics” to collect information about use of the Website. Google Analytics collects information such as how often users visit this Website, what pages they visit when they do so, and what other websites they used prior to coming to this Website. We use the information we get from Google Analytics to maintain and improve the Website and our products. We do not combine the information collected through the use of Google Analytics with Personal Information we collect. Google’s ability to use and share information collected by Google Analytics about your visits to this Website is restricted by the Google Analytics Terms of Service, available at https://marketingplatform.google.com/about/analytics/terms/us/, and the Google Privacy Policy, available at http://www.google.com/policies/privacy/. You may learn more about how Google collects and processes data specifically in connection with Google Analytics at http://www.google.com/policies/privacy/partners/. You may prevent your data from being used by Google Analytics by downloading and installing the Google Analytics Opt-out Browser Add-on, available at https://tools.google.com/dlpage/gaoptout/. To opt out of being tracked by Google Analytics across all websites, visit here.
2. Pendo. The Website uses a tool called "Pendo" which is an analysis service provided by Pendo.io Inc. that we use to evaluate the use of our Adjust Dashboard, generate reports on activities, analyze behavioral metrics and improve the experience. The tool collects the Adjust Dashboard user name, email-address, country and region that occurs when using our Adjust Dashboard. You can find more information in Pendo's privacy policy at www.pendo.io/legal/privacy-policy/
3. Mouseflow. The Website uses "Mouseflow" https://mouseflow.com, a third-party analytics tool, to track page content and click/touch, movement, scroll, and keystroke activity. You can opt-out at: https://mouseflow.com/opt-out/.
CONTACT US
1. If you have any questions, concerns or complaints regarding our compliance with this notice and the data protection laws, or if you wish to exercise your rights, we encourage you to first contact us at info@honeycombinsurance.com. Honeycomb Programs Inc.
  222 S Riverside Plaza STE 1500, Chicago, IL 60606
  tel:(877) 415-8901
  info@honeycombinsurance.com

Privacy Policy

Last updated: June 26, 2023

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